29/09/2026
Specialist Accountants for GPs, Consultants & Locum Doctors
Accountants for Doctors in Middlewich
Specialist accounting support built around the working lives of doctors in Middlewich. Whether you are a salaried hospital doctor, a GP, a locum, a consultant with private practice income, or someone combining NHS and private work, we help you make sense of Self Assessment, multiple income streams, allowable professional expenses, bookkeeping and day-to-day tax compliance. The aim is straightforward: accurate returns, well-kept records and practical advice you can act on, with the detail tailored to your own circumstances rather than a one-size-fits-all template.
4.9/5.0
Google Reviews
⭐ What Clients Say About Us
See what doctors, dentists, and care providers say about working with us.
Which Doctors Do We Support?
Doctors rarely fit neatly into a single category, and their accounting needs tend to follow the shape of their working arrangements rather than their job title alone. We support GPs, hospital doctors, consultants, locum doctors, salaried doctors, private practitioners, clinical academics, and doctors who combine several strands of medical work at once. A salaried doctor with a straightforward PAYE position may only need help with a Self Assessment return covering a small amount of private income, while a locum working through agencies and directly with practices will typically need support with record keeping, expenses, mileage and multiple pay streams. Consultants with private practice income may need to think about business structure, billing, expenses and cash flow, and doctors running or joining a practice may need partnership or limited company accounting. Because NHS income, private income, locum income and consultancy income can each be treated differently, and because employment status and business structure affect what is reportable and how, we take the time to understand your particular mix before recommending anything. If your circumstances change — a new role, reduced NHS sessions, a first private patient, a move into partnership — your accounting support can change with them.
GPs
Accounting and tax support for GPs with NHS income, private work, practice interests or additional professional earnings.
Hospital Doctors
Support with Self Assessment, professional expenses and tax matters alongside employment income and other professional earnings.
Consultants
Accounting support for consultants managing NHS employment, private practice income, professional expenses and tax obligations.
Locum Doctors
Support with Self Assessment, locum income, allowable expenses, bookkeeping and relevant business structure considerations.
Salaried Doctors
Tax and accounting support for salaried doctors with additional professional income or expenses requiring reporting.
Private Practitioners
Accounting support for doctors providing private medical services through individual practices, partnerships or companies.
Accounting and Tax Services for Doctors in Middlewich
Our services are shaped around the financial realities of medical work rather than a generic small business checklist. For doctors with any untaxed income — private fees, locum work, consultancy, teaching, medico-legal work, or investment and rental income — Self Assessment is usually the starting point, and we prepare and file returns that reflect all your income sources together. Where you work through a limited company, we can handle annual accounts, Corporation Tax, director filings and payroll, as well as the bookkeeping that keeps everything reconciled through the year. Doctors in partnerships, including those running or joining a medical practice, may need partnership accounts, profit allocation and the associated tax returns. Where relevant, we also advise on VAT registration and returns, PAYE and payroll for practice staff or a personal company, management accounts and financial reporting to help you understand how the numbers are moving, and business structure advice when you are deciding whether to stay self-employed, form a company or work through a partnership. Alongside compliance work, we look at tax planning in the context of your NHS and private income mix, your expenses position and your pension contributions, so that decisions are made with the full picture in mind. Because treatment depends on your employment status, income sources and structure, we confirm what applies to you before any work is carried out.
Self Assessment Tax Returns
Preparation and support for doctors with employment, locum, private practice or other taxable income.
NHS & Private Income
Help organising accounting records where income comes from NHS work, private services, locum assignments or other professional activities.
Accurate records built around the way GP practices, partnerships and locum doctors actually work, with cloud software set up for you.
Tax Planning for Doctors & Consultants
Incorporation reviews for private practice, profit extraction, capital allowances and timing of income to keep your effective tax rate down.
Locum Tax & IR35 Support
Contract and IR35 status reviews, limited company versus sole trader comparisons and expense claims for locums working across multiple trusts.
Common Accounting and Tax Challenges for Doctors
Doctors often find that the tax side of their working life is more complicated than the medicine. The challenges below come up regularly, though which ones affect you will depend on your contracts, income sources and how your work is structured.
- Blending NHS and private income. Salary and pension income arrives through PAYE while private fees, locum shifts and consultancy payments usually do not, so the two have to be brought together correctly on a Self Assessment return. Getting the split wrong can lead to an unexpected tax bill or an unnecessary overpayment.
- Multiple and irregular income streams. Locum work paid through agencies or directly by practices, plus private consultations, teaching or medico-legal reports, can arrive at different times and in different formats. Tracking these accurately matters both for tax and for understanding your real earnings.
- Allowable professional expenses. Medical indemnity insurance, GMC and royal college subscriptions, specialist equipment, professional development and training, and travel to temporary or alternative sites are commonly claimed, but only where the expense is genuinely allowable and properly evidenced. Claiming the wrong things creates risk; missing the right ones wastes money.
- Travel and mileage records. Doctors moving between hospital sites, practices or patient visits often have a legitimate mileage claim, yet the detail needed to support it is easy to lose. Contemporaneous records make the difference when the figures are questioned.
- Pension considerations and annual allowance questions. NHS pension contributions, additional voluntary contributions and private pension arrangements can interact in ways that affect your tax position. This is an area where personalised advice matters, particularly where income has grown or working patterns have changed.
- Record keeping across the year. Receipts, invoices, bank statements and expense records accumulate quickly. Leaving everything until the filing deadline turns a manageable task into a stressful one, and it makes it harder to spot missed claims or errors.
- Choosing the right business structure. Whether to work as a sole trader, through a partnership or via a limited company depends on your income level, your contracts, IR35 considerations and your longer-term plans. The answer is rarely the same for two doctors.
- Practice and partnership finances. Doctors involved in running a practice may need to manage drawings, profit shares, staff payroll, VAT and reporting to partners, all while keeping their personal tax position aligned with the practice's year end.
Why Doctors Choose CruseBurke
Doctors choose an accountant for different reasons, but the same themes come up: they want someone who understands medical income, communicates clearly and does not need the basics explained every year. We work with the specifics of your situation — NHS pay and pension, private fees, locum shifts, consultancy income, partnership profit shares or a limited company — rather than applying a standard template. That means looking properly at your expense position, including indemnity cover, professional subscriptions, training and travel, and making sure your records are organised enough to support what is claimed. We keep the compliance side running on time and explain what is due and why, so there are no surprises, and we translate tax and accounting points into plain language rather than jargon. Where your circumstances are straightforward, we keep things simple and proportionate. Where they are not, we give you the detail and the options, and let you decide with a clear understanding of the implications. Whether you are newly qualified, working as a locum, building a private practice, or balancing several roles at once, the support is shaped around you and can be adjusted as your career develops.
Healthcare Focus
We support GPs, locum doctors, consultants and other medical professionals with accounting and tax matters tailored to their individual circumstances.
Every Allowable Expense Claimed
GMC and indemnity fees, royal college subscriptions, exams, courses, equipment and mileage — nothing left on the table.
NHS Pension Specialists
We calculate your pension input amount, check tapering and advise on Scheme Pays before a charge becomes a problem.
IR35 & Locum Confidence
Status reviews on your engagements and a clear answer on limited company versus sole trader for your circumstances.
Deadlines Handled for You
Returns, accounts and payroll filed on time, with reminders well in advance so penalties never happen.
Fair, Fixed Fees
One agreed monthly fee, quoted up front, with no hourly billing and no surprise invoices.
Our Simple 3-Step Process
Getting the right accounting support in place does not need to be complicated. We begin with an initial conversation, where we ask about how you work — salaried, locum, GP, consultant, private practice or a combination — along with your income sources, any NHS pension arrangements, and any company or partnership involvement. From there we review your accounting and tax requirements: what needs to be filed and by when, how your records are currently kept, whether expenses such as indemnity, subscriptions, training, equipment and travel are being captured, and whether VAT, payroll or business structure questions apply to you. Once the picture is clear, we set out how we will work together and put the appropriate support in place, whether that is a Self Assessment return each year, ongoing bookkeeping and payroll, annual accounts and Corporation Tax for a company, or partnership reporting. As your working arrangements change, the arrangement can be reviewed and adjusted, so your accounting keeps pace with your career rather than lagging behind it.
1. Initial Consultation (It’s Free):
We begin by getting to know your practice and understanding your unique needs. This step ensures we have a clear picture of your operations and your goals.
2. Customised Plan:
Based on our initial discussion, we create a personalised plan designed specifically for you. The aim is to keep everything organised and easy to follow. You can rest assured that your numbers are being handled with expert precision.
3. Ongoing Support & Updates:
From there, we take care of the ongoing work and keep you updated with reports. You’ll always know what’s happening, and we’re always here to answer your questions, ensuring you have a clear picture of your financial health at all times.
What Makes CruseBurke Different for Doctors
What sets our approach apart is the willingness to look at the whole of a doctor’s financial position rather than treating each piece in isolation. NHS income, private fees, locum earnings and consultancy income each carry their own reporting requirements and their own timing issues, and they only make sense when considered together with your expenses, pension arrangements and any business structure you use. We build the bookkeeping and record-keeping framework that supports accurate reporting, prepare and file Self Assessment returns, annual accounts and Corporation Tax returns where they apply, and handle payroll, VAT and partnership matters as needed. Just as importantly, we explain the reasoning behind the advice, flag decisions that are worth thinking about in advance, and keep the conversation practical. Doctors’ circumstances change frequently, and the value of a specialist accountant lies in spotting when a change in hours, contracts or income makes a different structure or approach worth considering — and in saying so clearly, without pressure.
Technology Driven
We use Xero, Quickbooks, Sage & many other online software.
Dedicated Medical Accountant
Meet, call or email the same qualified accountant who knows your practice and your pension position.
Unlimited Support
Free telephone & email support
throughout the year.
Experienced Team
Our team have over 100 years of combined experienced.
Free - Email Reminders
Never Miss any deadline with our automated email reminders.
Yes, We Are Chartered!
We’re an ICAEW, ACCA & AAT accredited Firm.
How to Switch to Our Doctor Accountants
Take a back seat and let our specialist healthcare accountants handle everything. Switching part way through the year is straightforward and you never need to speak to your old accountant:
Get in touch
Reach out to us, and we’ll discuss your needs and how we can help your healthcare practice thrive.
Letter of Engagement
We’ll send over a simple letter to formalise our partnership and get everything in motion.
Previous Accountants
If you're switching, we’ll take care of contacting your previous accountants to make the transition smooth.
We Do the Rest
From there, sit back and relax. We’ll manage your accounts, taxes, and everything in between, keeping your practice running smoothly.
FAQs
It depends on your circumstances. If all of your income is taxed through PAYE and you have no untaxed income, no unusual expenses and no company or partnership involvement, your tax affairs may be manageable on your own. Many doctors, though, have at least one of the following: private fees, locum or consultancy income, rental income, a pension position worth reviewing, or expenses that need to be correctly claimed. Once any of those apply, professional support tends to pay for itself in accuracy and saved time, and it reduces the risk of errors on a return.
Locum doctors usually have several pay streams — agencies, direct practice bookings, and possibly out-of-hours work — and often incur costs such as mileage between sites, indemnity cover, registration and training. All of this needs to be recorded as it happens rather than reconstructed a year later. Keeping a simple, consistent system for invoices, receipts and mileage, and reconciling it against bank statements, makes your Self Assessment far more straightforward.
Commonly claimed items include medical indemnity insurance, GMC and royal college subscriptions, professional development and training relevant to your existing role, specialist equipment, and travel to temporary or alternative sites where you are not simply commuting. Whether a particular cost is allowable depends on your employment status, your contracts and the purpose of the expense, so it is worth checking rather than assuming — in either direction. We review your expense position as part of preparing your return.
Yes. This is one of the most common situations we deal with. Your NHS salary and pension are handled through PAYE, while private fees, locum shifts and consultancy work are usually reported through Self Assessment. The two need to be brought together accurately, and factors such as the timing of private income, pension contributions and expenses can all affect the final position. We look at your income as a whole rather than in separate pieces.
It can be worth considering, but it is not automatically the right answer. The decision depends on your level of private income, the nature of your contracts and how much control you have over them, your NHS position, and your longer-term plans. There are also additional compliance obligations attached to running a company, including accounts, Corporation Tax and payroll. We will talk through the practical implications for your specific situation before you commit to anything.
Yes to both. Most of the information needed for your accounts and returns can be shared securely without you needing to visit an office, and the timing of tax deadlines means much of the process runs on a schedule anyway. If you are already working with another accountant, we can manage the handover, including requesting the relevant records and professional clearance, so the transition is orderly and nothing is missed.
It depends on how you work. VAT registration generally becomes relevant when your taxable turnover crosses the registration threshold, or voluntarily in some cases, and it can apply to private practice income, medical services and other work in ways that are worth checking. Payroll may be relevant if you employ practice staff, run a limited company and pay yourself a salary, or use a structure that involves employees. We will confirm what applies to you rather than assuming either way.
It starts with a conversation about how you work, what income you receive, and what you currently have in place. From there we can review your requirements and outline how we would support you, whether that is a Self Assessment return, ongoing bookkeeping and payroll, company accounts and Corporation Tax, or partnership reporting. If you have previous returns or records, bringing those along helps us give you a more informed view from the outset.
Speak to an Expert
Take the Stress Out of Your Tax and Accounts
If your income arrives from several directions at once — NHS salary, private fees, locum shifts or consultancy work — keeping it all straight for Self Assessment can quickly become a job in itself. CruseBurke helps doctors bring their income, expenses and records together properly, with support covering Self Assessment, bookkeeping, company accounts and the tax planning decisions that sit alongside them. Whether you are newly qualified and filing for the first time, or established with a practice, private work and a pension to consider, we are happy to talk through your situation and how we can help.